th1 150x150 Get free retirement info on Nov. 18.Just a heads-up to remind you about the Retiree Next Door Tweetcast that takes place tomorrow.

I’ll be one of the two dozen or so PF wonks involved in the hour-long event, which is being hosted by MoneyTips.com and certified financial planner Jeff Rose.


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20140909 MoneyTips Fincon The retiree screen Res FINAL 150x150 What does it take to retire successfully?Where I grew up, people worked for as long as possible and felt diminished by retirement. Now it’s seen as a second chance.

Some people still say they plan to spend their golden years improving their golf swings or lying around in hammocks, but increasingly retirement is becoming an opportunity to start over: trying a different type of work, learning a new skill, maybe even running off to join the Peace Corps.

If you’d like to learn more, tune in to the Retiree Next Door Tweetcast next Tuesday, Nov. 18. Co-hosted by MoneyTips.com and certified financial planner Jeff Rose, the one-hour event will answer common questions and any additional queries sent in by listeners.


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th 1 How secure is your identity?Here’s a startling stat: Nearly one in three persons surveyed by Experian believe they’re not at risk of identity theft because “thieves only want wealthy people’s identities.”

Wrong. It’s not how much money you make, but rather how much cybercrooks could make from you. 

“Identity thieves use data as their commodity, selling it to the highest bidder or for personal gain, so it’s important for consumers to protect their personal information,” says Becky Frost, senior manager of consumer education for Experian’s ProtectMyID.

Put another way: My long-unemployed mother was a victim of identity theft, and another relative who is self-employed had to get a credit freeze after someone tried opening credit cards in his name.

Both cases seem to have stemmed from credit-card applications filched from mailboxes. The bigger risk these days is cybercrime, if the Experian survey is any indication. 


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th9 150x150 Change your clock, check your finances.Every autumn we’re urged to change the batteries in our smoke detectors when we change our clocks back to Standard Time. Those batteries might be just fine, but why take a chance?

I propose another ritual, one that should be observed at both the spring-forward and fall-back time changes: Checking in with your personal financial goals.

Some people are organized enough to revisit their PF wish lists regularly. Some aren’t. If you’re in the latter group, the twice-annual clock change could be a good time to open the ledger.


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th8 Paycheck too small? Maybe youre just ugly.If you’ve got a face made for radio or a body that doesn’t fit Madison Avenue’s image, you may feel that you’re not getting a fair shake. And you may be right.

For example, tall people earn more than shorter ones. Overweight men earn less (and overweight women earn a lot less) than non-obese coworkers.

And this one really frosts me: A Harvard University study indicates that women who wear makeup are seen as “more trustworthy and competent.” Hey, not all of us want to put on war paint each day.

Unfair, but true: How your looks affect your pay,” on Money Talks News, discusses the ways bosses can legally discriminate against you.

Sometimes those ways are pretty ridiculous. One employment law expert has heard from people who got canned because supervisors didn’t like their shoes. Seriously.


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